METHOD AND SYSTEM FOR PROCESSING COUPONS IN A NEAR FIELD TRANSACTION
First Claim
1. A method processing a coupon in a near field transaction, comprising:
- storing, in a configuration database, a plurality of configuration profiles, wherein each configuration profile includes at least a product identifier 404 and a target identifier;
storing, in a transaction database, transaction details for a financial transaction to be processed, wherein the transaction details includes at least a transaction amount;
receiving, by near field communication (NFC), payment details and at least one coupon record, wherein the coupon record includes at least a product identification, a target identification, and a transaction modifier;
identifying, by a processing device, at least one valid coupon record, wherein each valid coupon record is a coupon record of the at least one coupon record where the respective product identification and target identification correspond to the product identifier and target identifier for a configuration profile of the plurality of configuration profiles;
modifying, by the processing device, the transaction details for the financial transaction to be processed by modifying the transaction amount based on the transaction modifier for each valid coupon record of the at least one valid coupon record; and
transmitting, by a transmitting device, an authorization request for the financial transaction, wherein the authorization request includes at least the received payment details and the modified transaction amount.
1 Assignment
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Accused Products
Abstract
A method for processing a coupon in a near field transaction includes: receiving, by near field communication, payment details and a coupon record; identifying if the coupon record is valid by comparing the coupon record to a stored configuration profile; modifying the transaction amount for the transaction based on a modifier in the coupon record; and submitting an authorization request for the transaction with the modified transaction amount and the received payment details. A method for applying a coupon in a near field transaction includes: storing payment details in a contactless application; receiving coupon data and coupon details for the coupon; displaying the coupon details to a user; receiving an indication of selection of the coupon by the user; storing the coupon data in the contactless application; and transmitting, by near field communication, the payment details and coupon data in the contactless application for use in a financial transaction.
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Citations
26 Claims
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1. A method processing a coupon in a near field transaction, comprising:
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storing, in a configuration database, a plurality of configuration profiles, wherein each configuration profile includes at least a product identifier 404 and a target identifier; storing, in a transaction database, transaction details for a financial transaction to be processed, wherein the transaction details includes at least a transaction amount; receiving, by near field communication (NFC), payment details and at least one coupon record, wherein the coupon record includes at least a product identification, a target identification, and a transaction modifier; identifying, by a processing device, at least one valid coupon record, wherein each valid coupon record is a coupon record of the at least one coupon record where the respective product identification and target identification correspond to the product identifier and target identifier for a configuration profile of the plurality of configuration profiles; modifying, by the processing device, the transaction details for the financial transaction to be processed by modifying the transaction amount based on the transaction modifier for each valid coupon record of the at least one valid coupon record; and transmitting, by a transmitting device, an authorization request for the financial transaction, wherein the authorization request includes at least the received payment details and the modified transaction amount. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method for applying a coupon in a near field transaction, comprising:
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storing, in a contactless application, payment details for funding a financial transaction to be processed; receiving, by a receiving device, coupon information for a coupon, wherein the coupon information includes at least coupon data and coupon details, the coupon data including at least a product identifier, a target identifier, and a transaction modifier; storing, in a database, the received coupon information; displaying, by a display device, at least the coupon details to a user; receiving, by an input device, an indication of selection of the coupon to be applied to the financial transaction to be processed; storing, in the contactless application, at least the coupon data upon receiving the indication of selection of the coupon; and transmitting, by near field communication, at least the payment details and the coupon data stored in the contactless application for use in the financial transaction to be processed. - View Dependent Claims (9, 10, 11, 12, 13)
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14. A system for processing a coupon in a near field transaction, comprising:
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a configuration database configured to store a plurality of configuration profiles, wherein each configuration profile includes at least a product identifier and a target identifier; a transaction database configured to store transaction details for a financial transaction to be processed, wherein the transaction details includes at least a transaction amount; a receiving device configured to receive, by near field communication, payment details and at least one coupon record, wherein the coupon record includes at least a product identification, a target identification, and a transaction modifier; a processing device configured to identify at least one valid coupon record, wherein each valid coupon record is a coupon record of the at least one coupon record where the respective product identification and target identification correspond to the product identifier and target identifier for a configuration profile of the plurality of configuration profiles, and modify the transaction details for the financial transaction to be processed by modifying the transaction amount based on the transaction modifier for each valid coupon record of the at least one valid coupon record; and a transmitting device configured to transmit an authorization request for the financial transaction, wherein the authorization request includes at least the received payment details and the modified transaction amount. - View Dependent Claims (15, 16, 17, 18, 19, 20)
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21. A system for applying a coupon in a near field transaction, comprising:
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a contactless application configured to store payment details for funding a financial transaction to be processed; a receiving device configured to receive coupon information for a coupon, the coupon information including at least coupon data and coupon details, wherein the coupon data includes at least a product identifier, a target identifier, and a transaction amount; a database configured to store the received coupon information; a display device configured to display at least the coupon details to a user; an input device configured to receive an indication of selection of a coupon to be applied to the financial transaction to be processed; a processing device configured to store, in the contactless application, at least the coupon data upon receiving the indication of selection of the coupon; and a transmitting device configured to transmit, by near field communication, at least the payment details and the coupon data stored in the contactless application for use in the financial transaction to be processed. - View Dependent Claims (22, 23, 24, 25, 26)
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Specification